Crosleycare is the alternative to government-run healthcare. Crosleycare unbinds the government ropes that tie you up in knots. It exists to keep healthcare sane.
To finance healthcare for all, taxpayers may pay for policies who can not afford them and receive a tax credit for doing so.
Under Crosleycare, all conditions are covered and there are no deductibles which impede access to healthcare. To keep costs under control the individual is empowered to make a 10% copay on ALL healthcare expenditures. For the poor a copay fund is established from which co-pays are subtracted, the remainder going to the patient at year’s end.
The copay, however, is at the discretion of the provider. Each provider can opt to charge or not charge at any time, without penalty, a copay in order to modulate flow.
Fee for service no longer exists under Crosleycare as all providers are paid on availability to that patient which means that each provider receives a monthly fee based upon the patient’s election. If a patient decides to leave that provider, the provider will no longer receive a monthly fee for that patient. The patient or provider may terminate the contractual relationship at any time.
Patients may pay providers individually or they may pay through their company. The payment is made after the period of provider availability has expired, and there is no warranty or guarantee of future services. It matters not that the patient visited the provider during the time period as providers are being paid for availability, not for services rendered.
Companies or patients will make checks payable to the following entities: primary provider, specialty group, hospital, dme, pharmacy, lab, therapy. As need be, each provider may have to select a resource provider as a backup for extraordinary expenses – payable in a similar scheme. All provider classes are reimbursed every month whether the patient is seen or not. It will no longer be necessary for the provider to engage in complex coding, nor will it be necessary to code in a diagnosis. Those codes were worthless anyway as providers were entering codes that paid not those that told the truth.
Crosleycare will yield the biggest bang for the buck because patients will have full access to care, yet they will be in command of who their provider will be. Because providers are paid a more fixed amount, tests and procedures in the office will be performed more wisely. Companies wishing to sell machines, tests and supplies to providers will have to be more realistic in their prices.
The cost of drugs will lower as pharmacists become more selective in which medicines to stock. Hospitals likewise will become better at delivering higher quality care for a cheaper price. Therapy companies will become better at educating patients into doing much of their therapy at home.
Under Crosleycare, the government enjoys no blank-check rights to view any patient’s medical information without specific, written permission, as there is no need to do so for payment. Under Crosleycare, doctors are free to pursue their own method of record-keeping as customized record-keeping is integral to the well-functioning of each provider and patient. Under Crosleycare providers are free to transmit pertinent medical information to each other minus government-mandated gobbledygook thus ensuring more effective communication.
Finally, under Crosleycare, no central repository of medical information is warranted. This is bad news for the control freaks, elitists, tyrants, megadata deviants who derive sexual thrills at viewing large amounts of useless data, and immoral genetic engineers at Los Alamos who had hoped to use this massive collated data against the people of the United States of America should they decide to step out of line.
Of course, big business will attempt to destroy this model as their misguided ambition is to grow as big as a cancer cell. Large companies, and their clueless, unenlightened leaders don’t why they want to be cancer cells; they just do. So, to combat this, the people will have to insist that a company, any company, for the health of the body can only grow so big.
With a greater number of medium-sized companies competing against each other, innovation will flourish as costs are driven down. This makes sense to most people. Of course, if you attended an elite business school which specializes in reverse-engineering people from bright to stupid, this plan will be lost on you.